How to Compare Car Insurance Rates 2024
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Cheapest Car Insurance in Oklahoma (2024)

Updated on:
Content was accurate at the time of publication.

State Farm has the cheapest car insurance for most Oklahoma drivers at an average rate of $1,316 a year for a full-coverage policy.

USAA offers the cheapest overall rates of $1,272 a year, on average, but only active-duty military members, veterans and their families can buy a USAA policy.

Find the Cheapest Car Insurance Quotes in Your Area

USAA and State Farm offer the cheapest full-coverage car insurance policies in Oklahoma at average rates of $1,272 and $1,316 a year, respectively.

State Farm is 38% cheaper than the state average of $2,119 a year, while USAA is 40% cheaper.

CompanyAnnual rate
State Farm$1,316
Progressive$1,774
Shelter$1,928
Farm Bureau$2,335
Geico$2,368
Allstate$2,548
Farmers$3,407
USAA*$1,272

*USAA is only offered to military members and veterans as well as their families

Full-coverage car insurance policies include liability, collision and comprehensive coverage. These policies can cover damages and medical bills you’re responsible for after an accident, as well as damage to your car.

Progressive has the cheapest rate for liability coverage at $343 a year, on average, for most drivers. State Farm has the next-cheapest average rate of $366 a year.

Liability-only car insurance policies are 69% cheaper than full-coverage policies. On average, drivers pay $656 for liability coverage.

Cheapest liability car insurance companies in Oklahoma

CompanyAnnual rate
Progressive$343
State Farm$366
Shelter$598
Farm Bureau$648
Geico$768
Allstate$1,027
Farmers$1,163
USAA*$332

Liability-only car insurance covers injuries and damages to others that you cause in an accident.

State Farm has the lowest average car insurance rate for most teens in Oklahoma at $1,259 a year for a liability car insurance policy. The average cost of liability car insurance for teens in Oklahoma is $2,342 a year.

Cheapest liability car insurance for 18-year-olds in Oklahoma

CompanyAnnual rate
State Farm$1,259
Shelter$1,576
Progressive$1,928
Geico$2,203
Farm Bureau$2,528
Allstate$3,842
Farmers$4,573
USAA*$828

Teen drivers pay nearly three times more for liability insurance than 30-year-old drivers do, on average.

If you’re a teen driver, you can get cheaper rates with discounts. Insurance companies may offer discounts if you get good grades or if you live away from school and don’t regularly drive a car.

State Farm has the cheapest rates for car insurance in Oklahoma if you have a ticket on your record at $1,381 a year for a full-coverage policy.

A ticket raises your car insurance rate by an average of 20% a year compared to a driver with a clean record.

CompanyAnnual rate
State Farm$1,381
Shelter$2,251
Progressive$2,316
Farm Bureau$2,335
Allstate$2,834
Geico$3,093
Farmers$4,617
USAA*$1,563

State Farm has the cheapest car insurance after an accident for drivers in Oklahoma at an average of $1,468 a year for full coverage.

Shelter, Farm Bureau and Progressive also offer policies that are below $3,000 a year, on average.

CompanyAnnual rate
State Farm$1,468
Shelter$2,455
Farm Bureau$2,548
Progressive$2,862
Allstate$3,553
Geico$4,321
Farmers$4,954
USAA*$1,833

Find the Cheapest Car Insurance Quotes in Your Area

Progressive has the cheapest car insurance for drivers with a DUI, charging an average rate of $2,028 a year for full coverage.

Drivers with a DUI pay an average of $3,178 a year for a full-coverage policy. Going with Progressive could save you over $1,000 a year.

CompanyAnnual rate
Progressive$2,028
State Farm$2,707
Shelter$2,803
Allstate$3,359
Farm Bureau$3,661
Geico$4,074
Farmers$4,490
USAA*$2,298

Progressive has the cheapest full-coverage car insurance for drivers with bad credit at $2,028 a year, on average. Drivers with a bad credit pay an average of $3,681 a year for car insurance.

CompanyAnnual rate
USAA$2,320
Farm Bureau$2,344
Progressive$2,942
Geico$3,464
Allstate$3,691
Shelter$3,820
Farmers$5,202
State Farm$5,666

Among the most-populated cities in Oklahoma, average car insurance rates vary from $1,979 a year in Enid to $2,358 in Tulsa.

CityAverage rate
Oklahoma City$2,353
Tulsa$2,358
Norman$2,225
Broken Arrow$2,228
Edmond$2,251
Lawton$1,981
Moore$2,267
Midwest City$2,348
Enid$1,979
Stillwater$2,025
Owasso$2,091
Bartlesville$1,984
Muskogee$2,070
Shawnee$2,172
Bixby$2,276

Oklahoma is an at-fault state for car insurance, which means the driver who causes an accident must pay for damages.

The minimum amount of liability car insurance coverage Oklahoma requires is:

  • $25,000 of bodily injury protection per person
  • $50,000 of bodily injury protection per accident
  • $25,000 of property damage protection

LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of more than 800,000 car insurance quotes for sample drivers across the U.S. Your rates may vary.

Unless stated otherwise, we looked at thousands of car insurance quotes in Oklahoma for a 30-year-old man with good credit and no tickets, accidents or convictions for driving under the influence, using a 2015 Honda Civic EX.

The following coverage limits were used:

  • Bodily injury liability: 50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
  • Personal injury protection: minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive $500 deductible

*USAA is only available to current and former members of the military and their families.